My husband has advanced Parkinson's disease and could never get long term care insurance. Medicaid has denied us division of assets so how do I pay for long term care for him?
They are arguing about annuities now with me and keep wanting more and more information that I do not have. Plus they set a time to have it in which is in 4 days. I just got the letter in the mail today and the latest info has to be in by Friday. With everything shut down it is impossible. They said it will be denied if I don't have everything in.
The state will need to pay under LTC Medicaid (After his assets are depleted). You need to contact your local Area on Aging or a state social worker. They could help you apply and get him placed in a Nursing Home. Or if you have a fair amount of assets you'd be better off hiring an elder law attorney. They are expensive but it may be worth it to you if only for peace of mind. If you can't afford the attorney, then the local Area on Aging or State social services are the places to seek out.
Do you mean medicaid? Medicaid pays for LTC not medicare. Can you tell us why Medicaid didn’t approve a division of assets? In most states, the spouse can keep a certain amount of assets and a portion of the income. If your assets are over the amount your state allows you to keep, you can use some to get him in to a facility and self-pay and then get him on Medicaid.
The form says that the State of Kansas must be named as the beneficiary at the time of death, secondary to spouse, minor or disabled children.
Whose name are the annuities in?
Do you have POA for your husband?
Do you have an eldercare attorney assisting you with the application?
How do to access information about the annuities? Are the accounts not available for viewing online?